What would be my options as an end user who does not want to root his device
Google Pixel + GrapheneOS
If you want to know if your Banking App is compatible: https://privsec.dev/posts/android/banking-applications-compa...
For now, there isn't an alternative. Maybe a Pixel phone and GrapheneOS with the sandboxed Play Store would be the only choice, but for now, nobody knows.
who does not want to root his device
Why not? Freedom isn't a given --- you need to fight for it.
I assume my S20+ won't get this because it's stopped getting anything but security updates. Sometime next year I'll look for the latest phone that's too old to get the new behavior.
Perhaps a Fairphone 6 with /e/OS (which is a de-googled Android)?
https://shop.fairphone.com/the-fairphone-gen-6-e-operating-s...